\def\sym#1{\ifmmode^{#1}\else\(^{#1}\)\fi}
\begin{tabular}{l *{4}c } \hline\hline
            &\multicolumn{1}{c}{(1)}&\multicolumn{1}{c}{(2)}&\multicolumn{1}{c}{(3)}&\multicolumn{1}{c}{(4)}\\
            &\multicolumn{1}{c}{Earnings Potential}&\multicolumn{1}{c}{Savings Rate}&\multicolumn{1}{c}{No Anxiety}&\multicolumn{1}{c}{Any Education}\\
\hline
Above $ \hat{k_L} $&      -0.196         &      0.0111         &     -0.0219         &      -0.795\sym{***}\\
            &     (-1.26)         &      (0.10)         &     (-0.17)         &     (-6.42)         \\
Above $ \hat{k_H} $&       0.413\sym{***}&       0.350\sym{***}&       0.327\sym{***}&       0.331\sym{***}\\
            &      (6.77)         &      (3.53)         &      (5.40)         &      (6.86)         \\
Constant    &     -0.0343         &      -0.186\sym{**} &      -0.127         &       0.611\sym{***}\\
            &     (-0.23)         &     (-2.80)         &     (-1.03)         &      (5.21)         \\
\hline \\ 
\(N\)       &        1656         &        1542         &        1659         &        2842         \\
\hline\hline \end{tabular} 
